, and as we think about internationally, citi is there every step of the way. so the end result is you reduce congestion, you reduce pollution and you provide a service to merchants, and that certainly is huge. >>> welcome back to "squawk on the street." starbucks is moving lower, that after a bearish note by itg investment research. the firm is saying the chain's momentum may be slowing down and coming in below estimates for early 2014. so down by 3% in the early trading. >> let's go to rick santelli with the santelli exchange. good morning, rick. >> i'm glad you're hopping over because today's a big day. today is "the" day. we're voting on the volcker rule. it's going to pass. let's walk down memory lane. it was 2010 when dodd-frank was passed. what was the main objective? to take out the moral hazard of too big to fail. now, a lot has happened between then and now, and even if it gets passed today, as many have said, including bart chilton, we've had him on the floor many times, cftc commissioner, at least he was until recently, implementation probably doesn